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Littlewoods Credit Card

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Representative 34.9% APR variable

Shop Direct Finance Company Limited acts as the exclusive credit broker for the
Littlewoods Credit Card. Capital One is the lender and they pay us for this introduction.

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Fast & secure contactless payments of up to £30 when you receive your card*

*if your application is successful

Check today and you could enjoy all of this:

  • Credit limit up to £1,500.
  • Access to your account information anytime online.
  • Successfully apply and get £10 back from your next
    Littlewoods purchase (Offer Terms & Conditions)
  • Are you over 18?
  • Are you on the electoral roll?
  • You have not been declared bankrupt
    in the last 12 months?
  • Something to keep in mind: Even if you say yes to all three questions you may not fulfil the required criteria.
  • For more information about the Littlewoods Credit Card, please read the Summary Box - available here. (this link takes you to Capital One website)

Credit Card
Credit is provided, subject to status, by Capital One (Europe) plc. The interest rates per annum are variable. Credit if available subject to status and conditions. If you are not a UK resident please do not apply.

Mastercard® is a registered trademark of Mastercard International Incorporated. Capital One® A registered mark of Capital One. Capital One (Europe) plc: Registered Office Trent House, Station Street, Nottingham, NG2 3HX. Registered in England and Wales Company Number 3879023. VAT Registration Number 690686101. Authorised and regulated by the Financial Conduct Authority. The Littlewoods Credit Card is issued by Capital One (Europe) plc. Shop Direct Finance Company Ltd. Registered Office: Aintree Innovation Centre, Park Lane, Netherton, Bootle L30 1SL. Registered in England and Wales, Company No. 04660974. VAT number 1637696 28. Authorised and regulated by the Financial Conduct Authority. FRN 312190.

If you go on to complete a full application, there is a small chance that we may be unable to open your account if we identify certain information on fraud prevention databases or if we are unable to verify your identity.

Littlewoods Credit Account
Credit is provided, subject to status, by Shop Direct Finance Company Limited. Authorised and regulated by the Financial Conduct Authority.

Delay Payments for 12 months with Buy Now Pay Later when you spend £50 or more

Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum.

Remember, avoid paying all interest by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.

1

What is Buy Now Pay Later?
Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12 months. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).

You can choose:
A delayed payment period of 12 months and then a repayment period of 104 weeks when you spend £50 or more.
A delayed payment period of 12 months and then a repayment period of 156 weeks when you spend £99 or more.

How interest is calculated?
Interest will be charged for the delayed payment period and the chosen repayment period.

Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum. This calculation factors in the planned payments that are requested during the repayment period. Your interest rate is personal to you and will be detailed in checkout.

How to avoid paying interest?
You can avoid paying all interest for both periods by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.

Making partial payments may result in a portion of the lump sum of compound interest being refunded at the end of the delayed payment period.

Remember if you choose not to pay the full cash price before the end of the delayed payment period any outstanding balance plus the lump sum of compound interest applied at the date of order will become payable.

How do I make a Buy Now Pay Later payment?
To make a full or partial payment simply log into My Account, choose "Make a payment", select "Pay Buy Now Pay Later" and allocate your payment to the specific item(s) you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?
If you have not made any payments towards your Buy Now Pay Later, the outstanding balance plus the lump sum of compound interest will be payable across your chosen repayment period. This will now be included in your account minimum payment request each month.

If you have made partial payments, but not cleared the full cash price before the end of the delayed payment period, the outstanding balance plus a reduced lump sum of compound interest will become payable. The repayment amount agreed for the repayment period will remain the same, meaning the repayment period may be shorter than originally agreed.
If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.

What is excluded from Buy Now Pay Later?
The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later. Buy Now Pay Later availability is subject to your credit and account status.

Do I still have to pay my minimum payment?
Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Littlewoods account. If you have a non-Buy Now Pay Later balance on your Littlewoods account, you will still need to make at least your minimum payment as shown on your statement.